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Our investment funds

We have seven different investment strategies. Employers choose one for their employees to invest into. Members can change which strategy they’re invested in at any time and can align investments with their religious beliefs or lifestyle choices.

Multi-asset funds

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Smart Sustainable Growth Core Fund

Aims to provide long-term growth and invest in companies which score well in Environmental, Social and Governance (ESG) areas.
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Smart Sustainable Growth Fund

Aims to deliver long-term growth while also benefiting from ESG factors by investing in companies that help solve environmental and social challenges.
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Smart Growth – Lower Risk

This fund carries the lowest risk of fluctuation to your savings than other growth funds available, but also a lower likelihood of a high return. It may be suitable if you are concerned about volatility.
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Smart Growth – Higher Risk

This fund carries a higher risk of fluctuation to your savings than other growth funds available, but also has the potential for high growth, though this is not guaranteed.

Equity funds

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Smart World (ex UK) Developed Equity Index Fund

This fund aims to provide broad exposure to large and mid-cap companies in developed markets outside the UK, while taking ESG factors into account.
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Smart North America Equity Index Fund

Aims to provide broad exposure to companies in the North American equity market, while taking ESG factors into account.
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Smart UK Equity Index Fund

Aims to provide broad exposure to the UK stock market, while taking ESG factors into account.
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Smart World Emerging Markets Equity Index Fund

Aims to provide access to key emerging economies, while taking ESG factors into account.
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Smart Active Impact Equity Fund

The aim of this fund is to invest in equities which provide growth over the long term (five years or more) and invest in companies that contribute to the achievement of the United Nations’ Sustainable Development Goals.

Smart Europe (ex-UK) Equity Index Fund

Aims to provide broad exposure to companies in the European equity market (excluding the UK), while taking ESG factors into account.

Smart World Small Cap Equity Index Fund

Aims to provide broad exposure to small-cap companies in the developed world, while taking ESG factors into account.

Specialist funds

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Smart Ethical and Climate Fund

Aims to track a filtered index, which excludes companies that operate in industries breaching certain ethical criteria.
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Smart Sharia Fund

Aims to create long-term appreciation of capital through investment in a diversified portfolio of securities which meets Islamic investment principles.
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Smart Wahed Balance Fund

The portfolio seeks a balanced investment approach with medium risk to enhance potential returns by investing in stocks, fixed income assets and gold. It is structured towards achieving long-term steady growth.
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Smart Wahed Growth Fund

The portfolio seeks a balanced investment approach with medium-to-high risk to enhance potential returns by having a bias towards stocks over fixed income assets and gold. It is structured towards achieving long-term steady growth.
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Smart Wahed Growth+ Fund

The portfolio seeks a growth focused investment approach with high risk to enhance potential returns by investing in stocks and gold. It is structured towards achieving strong long-term growth.

Fixed interest funds

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Smart All Stocks Index – Linked Gilts Index Fund

Aims to track the return of the FTSE Actuaries British Government Index Linked All Stocks Index, which features UK government bonds with returns linked to the Retail Price Index (RPI).
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Smart Global Bond Index Fund

Aims to provide broad exposure to different types of bonds in the UK and overseas, taking into account ESG factors.
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Smart Active Impact Bond Fund

Aims to invest in bonds which have an environmental impact and generate financial return above the global green bond market, taking into account ESG factors.

Cash funds

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Smart Cash Fund

Aims to maintain capital and provide a return in-line with money market rates by investing in a range of money market securities denominated in sterling.

Pre/At-retirement funds

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Smart Income Fund

Aims to provide long-term investment growth up to retirement, and to support flexible income during retirement, taking into account ESG factors.
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Smart Annuity Fund

Aims to improve potential outcomes for investors likely to purchase fixed annuities, while taking ESG factors into account.

More about our investments

Fund performance

Learn more about how our funds perform

Investment policies and reports

Learn more about our approach to investments